Gainbridge
Key Company Metrics
AM Best Rating: A− (Excellent)
Years in Business: 7 Years
Product Availability: Fixed, Immediate, Fixed Index
“Gainbridge is great for tech-savvy clients who want a simple, no-hassle annuity they can buy online.”
– Annuity.org Agent Poll Insight
Gainbridge Annuity Product Types & Features
Gainbridge offers a straightforward lineup of four annuities designed to strike a balance between growth, income, and protection. Each product is built with a specific retirement goal in mind — from guaranteed rates and flexible liquidity to lifetime income and market-linked growth.
FastBreak™ Fixed Annuity
FastBreak™ is Gainbridge’s MYGA-style product for savers who want strong guaranteed returns that beat bank CDs. As of September 2025, it offers up to 5.70% APY with flexible term lengths.
Key Features:
- Guaranteed rate of return higher than most CDs
- Access to funds at any age
- Tax-deferred growth
Who It Works Best For: James, 58, wants a safe place to grow part of his retirement savings without market risk. FastBreak™ provides him with predictable growth at competitive rates and easy access if he needs it.
SteadyPace™ Fixed Annuity
SteadyPace™ is a multi-year guaranteed annuity designed for conservative savers. It provides fixed growth up to 5.70% APY, making it a fit for those who want risk-free accumulation with tax-deferred earnings.
Key Features:
- Fixed, guaranteed rate for 3–10 year terms
- Risk-free savings with predictable returns
- Beneficiary protections included
Who It Works Best For: Maria, 62, wants to secure part of her portfolio in a stable contract while she transitions into retirement. SteadyPace™ gives her confidence with steady, tax-deferred growth.
ParityFlex™ Immediate Annuity
ParityFlex™ immediate annuity acts as a personal pension, offering predictable, guaranteed income for life. Customers can convert retirement savings into a steady stream of monthly payments, with rates up to 5.50% APY.
Key Features:
- Guaranteed lifetime income
- Regular payments even if account value reaches zero
- Beneficiary protections
Who It Works Best For: Robert, 70, has just retired and wants to cover his monthly living expenses. ParityFlex™ ensures he’ll never outlive his income, providing peace of mind.
OneUp™ Fixed Index Annuity
OneUp™ indexed annuity combines growth potential from the S&P 500® Index with downside protection. It credits principal plus 5% interest over 5 years, while offering market-linked growth capped at 60%.
Key Features:
- S&P 500® index growth potential with principal protection
- 5% guaranteed credit over 5 years (1% annually)
- Tax-deferred growth to maximize compounding
Who It Works Best For: Lisa, 55, wants exposure to market growth but is concerned about losses. OneUp™ offers her index-linked upside while protecting her principal.
Side-by-Side Comparison of Gainbridge Annuities
| Feature | FastBreak™ | SteadyPace™ | ParityFlex™ | OneUp™ |
|---|---|---|---|---|
| Type | Fixed Annuity (MYGA) | Fixed Annuity (MYGA) | Immediate Income Annuity | Fixed Index Annuity (FIA) |
| Rates (as of Sept 2025) | Up to 5.70% | Up to 5.70% | Up to 5.50% | S&P 500® capped at 60% + 5% guaranteed credit |
| Liquidity | Accessible funds at any age | Fixed growth, less liquidity | Payments for life, no lump sum access | Principal protection + capped growth |
| Best Fit | Savers seeking CD alternatives | Conservative savers wanting predictable returns | Retirees needing income now | Growth-minded savers who want protection |
- If you want the highest guaranteed rates, consider FastBreak™.
- If you want long-term, predictable growth, consider SteadyPace™.
- If you want guaranteed income now, consider ParityFlex™.
- If you want market-linked growth with principal protection, consider OneUp™.
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Gainbridge Annuity Rates
While our tool doesn’t provide access to Gainbridge’s live rates, Gainbridge is known for competitive fixed rates (5%–6%) and index-linked growth opportunities. As a digital-first provider, all rates and contract details are available directly through its online platform, giving customers a clear and transparent buying experience.
Customer Satisfaction and Complaint History
Gainbridge is a newer entrant in the annuity market, launched in 2018 as part of Group 1001, which manages more than $68 billion in assets.
Because of its size, Gainbridge has not yet appeared in the J.D. Power Customer Satisfaction Index rankings, which focus on larger carriers. However, its parent company has maintained a strong complaint record with the NAIC Complaint Index, receiving fewer complaints than expected for its share of the market.
NAIC Complaint Index for Gainbridge
| Individual Annuities Only | 0.07 |
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Manage Your Gainbridge Annuity Online
Gainbridge’s platform is built for simplicity and convenience. Customers can buy annuities, compare rates, view contract details, and manage their accounts entirely online. Its secure portal and mobile app (iOS and Android) make it easy to track performance, access account documents, and keep your retirement plan on course.
Log into your account at Gainbridge.io or connect with customer service at 1-866-916-1290.
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